| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 6714 POINTE INVERNESS WAY SUITE 100 FORT WAYNE, IN 46804 | ANTHEM INSURANCE COMPANIES, INC. | $51K | $3K | $55K | 2.50% |
| INDIANA CHAMBER INSURANCE AGENCY3 Filed as: INDIANA CHAMBER INS. AGY., INC. | 115 WEST WASHINGTON STREET SUITE 850S INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $1K | $0 | $1K | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM INSURANCE COMPANIES, INC. | $7 | $0 | $7 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $2 | $2 | 0.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 5210 BELFORT ROAD, SUITE 405 JACKSONVILLE, FL 32256 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.23% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 303 | $2.2M |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 303 | $2.2M |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 303 | $2.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 174 | $76K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 174 | $76K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 174 | $76K |
| Other(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC. | 303 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.